The Farmers State Bank

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fsbks.bank

785-364-4691

209 Montana Avenue
Holton, KS 66436

The Farmers State Bank is headquartered in HOLTON and is the 159^th largest bank in the state of Kansas. It is also the 4,061^st largest bank in the nation. It was established in 1900 and as of December of 2024, it had grown to 12 employees at 1 location. The Farmers State Bank's CD rates are 2X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q4 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Farmers State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15258
Year Established	1900
Employees	12
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.89%
Return on Equity - YTD	8.16%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$73.9MM$72.8MM
Loans	Q4 2024vs Q4 2023	$49.9MM$47.5MM
Deposits	Q4 2024vs Q4 2023	$63.2MM$62.8MM
Equity Capital	Q4 2024vs Q4 2023	$8.3MM$7.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$833K$491K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.4MM$0
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Farmers State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$50	-	Signature Savings
0.25%	$50	-	Business Savings

The Farmers State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$25k^*	-	MMDA Account
OTHER TIERS: 0.25% → $0 - $2.5k \| 0.30% → $2.5k - $10k \| 0.35% → $10k - $25k

The Farmers State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%	$0	$25k	Go Green Rewards Checking
0.20%	$0	-	Plus Account

The Farmers State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%^*	$50k^*	-	6 Month CD
OTHER TIERS: 4.00% → $500 - $50k
3.55%	$500	-	9 Month CD
2.78%^*	$50k^*	-	15 Month CD
OTHER TIERS: 2.52% → $500 - $50k
2.26%^*	$50k^*	-	60 Month CD
OTHER TIERS: 2.16% → $500 - $50k
2.11%^*	$50k^*	-	24 Month CD
OTHER TIERS: 2.01% → $500 - $50k
2.10%^*	$50k^*	-	12 Month CD
OTHER TIERS: 2.00% → $500 - $50k
1.86%	$500	-	36 Month Bump Up CD

The Farmers State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 4.00% → $500 - $50k
3.55%	$500	-	9 Month IRA
2.78%^*	$50k^*	-	15 Month IRA
OTHER TIERS: 2.52% → $500 - $50k
2.26%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 2.16% → $500 - $50k
2.11%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 2.01% → $500 - $50k
2.10%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 2.00% → $500 - $50k

Locations

The Farmers State Bank Locations
The Farmers State Bank	209 Montana Ave	Holton, KS 66436

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